• Welcome to the LegalBeagles Consumer and Legal Forum. Please register to get the most out of the forum. Registration is free and only needs a username and email address.
  • Please note that LegalBeagles is a public forum and the main areas are accessible to all, and as such, please take care your username or posts do not identify you. There is no need to post claim numbers, names or precise amounts to get support with your case. When uploading documents please ensure that you have properly redacted your personal details. Thank you.

Credit searches.

  • Filter
  • Time
  • Show
Clear All
new posts

  • Credit searches.

    Hi, a quick question about CRAs.

    because of the infamous Compass problem, I am now reading my credit reports regularly, and am alarmed to see 13 searches, which all occurred on June third., These are Iím sure related to my car insurance ready to expire soon,

    However I have not shopped around yet, so

    1)should these people have been able to search me without my express consent?,
    2) what can they see, just proof of ID and address, or can they see CCJS defaults and all the other things that might make me grateful to be offered any insurance at all, no matter how outrageously priced?

    Your report was searched on: 03/06/16Credit application type: INSURANCE QUOTATIONPersonal details relating to the search:Name:

    The only quote I have received is from my existing insurers, and I always pay in full never instalments.

    Tags: None

  • #2
    Re: Credit searches.



    • #3
      Re: Credit searches.

      I am not 100% sure on this but I think there is something about these sort of searches that keep them hidden from potential lenders. They will have been carried out by your current insurance agency. I do know that when my insurance is up for renewal the company assume I will let them automatically renew with them and do all the prep for the new year. They are always disappointed as I change to a better deal every year!
      I have just checked and I have tons of searches on the date I renewed both house and car insurance. I am no expert but I would not worry about this sort of search.

      An optimist is someone who falls off the Empire State Building, and after 50 floors says, 'So far so good'!
      ~ Anonymous


      • #4
        Re: Credit searches.

        1/ I guess they can; after all, it is a reference agency, so pretty much their raison d'etre.
        2/ It's the latter bit the searcher is interested in & paying the CRA for.

        This is only my opinion - "
        Opinions are made to be changed --or how is truth to be got at?" (Byron)

        You and I do not see things as they are. We see things as we are.
        Cohen, Herb

        There is danger when a man throws his tongue into high gear before he
        gets his brain a-going.
        Phelps, C. C.

        "They couldn't hit an elephant at this distance!"
        The last words of John Sedgwick


        • #5
          Re: Credit searches.

          When our file was it dreadful order however we still got a very good rate and were never turned down.

          An optimist is someone who falls off the Empire State Building, and after 50 floors says, 'So far so good'!
          ~ Anonymous


          • #6
            Re: Credit searches.

            hi, probably all sorted now, but there are "hard" and "soft" searches.

            The ones you mention are soft searches. I have tons in June every year as i insure my car,house and vehicle recovery every may/june...and the more i check for a quote the more appear, they have no bearing on your CRA file.

            What i was surprised about was i recently went through the Noddle and clearscore CRA sites looking for the best deal on credit cards as i was looking for a couple to help improve my credit score. and although the card suppliers say "this will not effect your credit score" "we will check if you can have a card with no effect on your score". they did not say they would be conducting "soft searches". And although i was offered 3 cards by capital one as "pre-approved" they still conducted soft searches.

            I have also moved electric companies 5 times this year so far (i know sad and retired), and i have also had soft searches from electric suppliers....



            View our Terms and Conditions

            LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

            If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.

            If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.


            No announcement yet.

            upgrade to vip

            Want exclusive access to forums, more privacy and a live chat box? Upgrade to become a bigger part of our community.

            only £15/yr

            Offers available. No subscription traps.

            sign up now

            Search and Compare fixed fee legal services and find a solicitor near you.

            Find a Law Firm